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The traditional physical bank branch is experiencing a sharp decline in its presence. Driven by the explosion of online and mobile banking, consumers are increasingly turning to virtual channels for their financial needs. This shift has led to a drop in branch locations, and many institutions are consolidating existing branches to reduce costs. De
Return on total assets (ROTA) is a crucial financial metric utilized by investors and analysts to gauge the efficiency of a company in generating profits from its assets. It represents the proportion of net income earned relative to the total assets possessed by the company. A higher ROTA indicates that a company is optimally utilizing its assets t